Nationwide - January 24, 2025 - As financial markets continue to evolve, V&L Insurance is introducing a transformative approach to life insurance investments. Established in 2023 by Brooke Lunsford, an industry leader with over 35 years of experience in the insurance and financial sectors, the company focuses on unlocking hidden value for policyholders and providing innovative opportunities for investors within the $21 trillion life insurance market.
The life insurance sector represents a significant but often underutilized component of the financial industry. A considerable portion of Universal Life insurance policies lapse or are surrendered before paying out their full claims, leaving policyholders with diminished benefits and unclaimed value. At the same time, investors face barriers to accessing this niche market, which has historically been dominated by large institutional buyers.
An Innovative Life Settlement Model
V&L Insurance addresses this inefficiency with its innovative life settlement model. The company purchases life insurance policies at a discounted rate while providing policyholders with payouts that exceed their surrender value. This approach creates an exit strategy for policyholders in need of liquidity while transforming these policies into alternative investment opportunities for investors.
For investors, life settlements represent a compelling addition to a diversified portfolio, with potential returns influenced by policy terms, life expectancy assessments, and broader market conditions. Investors can choose between holding policies to maturity to collect death benefits or reselling them in the secondary market for liquidity.
“V&L Insurance is committed to providing a fair exit for policyholders while offering investors an avenue to diversify their portfolios,” states Brooke Lunsford, the company’s founder.
This flexibility has made life settlements an emerging asset class that is increasingly attractive to investors seeking alternative opportunities with a balance of stability and growth potential.
Ensuring Stability And Growth
To mitigate risk and enhance growth opportunities, V&L Insurance utilizes a rigorous vetting process to evaluate the policies it acquires. This process is supported by experienced medical consultants and industry experts, ensuring that every policy selected aligns with the company’s commitment to security and profitability.
V&L Insurance has set ambitious goals for expansion, targeting $100 million in capital to manage $300 million in life insurance assets. The company’s scalable approach reinforces its capacity for sustainable growth, offering consistent returns to investors while maintaining operational efficiency.
To further enhance profitability, V&L Insurance retains a portion of the residual policy value after investor payouts, creating additional layers of revenue. This model prioritizes early returns for investors while building a foundation for long-term success.
Opportunities And Considerations For Investors
The life insurance market, valued at $21 trillion globally, presents significant opportunities for investors, with major financial institutions already holding over $61 billion in life insurance assets. Experts project sustained growth in the life settlement sector over the next decade, highlighting its potential as a stable and high-performing asset class.
However, like any investment, life settlements carry risks. Accurate life expectancy predictions, regulatory compliance, and market fluctuations are critical factors that can influence returns. Investors are encouraged to conduct thorough due diligence and seek expert advice when exploring this unique investment avenue.
Balancing Profit And Purpose
In addition to its financial objectives, V&L Insurance is committed to driving positive social impact. The company actively supports initiatives focused on foster care, clean water access, and affordable housing, reflecting its mission to align business success with meaningful societal contributions.
“We’re not just building wealth—we’re building a legacy,” says Brooke Lunsford. “At V&L Insurance, our goal is to create opportunities that not only deliver high returns but also make a lasting difference in the communities we serve.”
Learn More About V&L Insurance
V&L Insurance is at the forefront of redefining life insurance investments, offering innovative solutions for policyholders and investors alike. To learn more about the opportunities available, contact Brooke Lunsford at [email protected] or call +1 304-638-6563.
Be part of the revolution in life insurance investments and explore how V&L Insurance is transforming a traditionally overlooked market into a platform for growth, stability, and impact.